S E a

Richfield, UT · 2 · Charter #67149
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.0M
33th percentile
Members
681
24th percentile
Total loans
$4.6M
41th percentile
Total shares
$5.6M
33th percentile

Profitability

Return on assets
0.58%
40th percentile
Net interest margin
2.19%
6th percentile
Efficiency ratio
30.53%
97th percentile
Non-interest income ratio
0.28%
8th percentile

Capital & Risk

Net worth ratio
19.84%
73th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
81.67%
78th percentile

Growth

Member growth YoY
3.18%
90th percentile
Asset growth YoY
11.86%
94th percentile
Loan growth YoY
3.74%
75th percentile
Share growth YoY
14.33%
96th percentile

Operations

Members / branch
681
32th percentile
Assets / member
$10,262
58th percentile
Field of membership penetration
68.10%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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